How to Spot a Scam in 30 Seconds

Scammers are getting smarter, faster, and more convincing. The good news is that most scams share the same red flags. If you know what to look for, you can often spot a scam in 30 seconds or less.

Here is how to quickly decide whether a message, call, or offer is legitimate or something to avoid.

1. It Creates Urgency or Fear

Scammers want you to act fast so you do not stop to think. Common phrases include:

• “Your account will be closed today”

• “Immediate action required”

• “You have been flagged for suspicious activity”

Legitimate businesses give you time and multiple ways to verify information. Pressure is a major warning sign.

2. It Asks for Personal or Financial Information

A legitimate business or financial institution will not ask for:

• Online banking passwords

• Full Social Security numbers

• One time passcodes

• Debit or credit card numbers via text or email

If someone contacts you unexpectedly and asks for sensitive information, assume it is a scam.

3. The Contact Method Feels Off

Scammers often reach out through:

• Text messages claiming to be your financial institution or another entity

• Emails with generic greetings like “Dear Customer”

• Calls from unknown or spoofed numbers

If something feels unusual, trust your instincts. When in doubt, contact the organization directly using a phone number or website you already know.

4. The Message Has Errors or Awkward Language

Many scam messages contain:

• Spelling or grammar mistakes

• Unusual wording

• Links that look strange or shortened

While not every message with an error is a scam, poor quality communication is a common red flag.

5. The Payment Request Is Unusual

Scammers often ask for payment in ways legitimate businesses rarely use, such as:

• Gift cards

• Cryptocurrency

• Wire transfers

• Peer to peer payment apps under pressure

If someone insists on immediate payment using these methods, stop right away.

6. It Sounds Too Good to Be True

Promises of guaranteed returns, free money, or prizes you did not enter are classic scam tactics.

If it sounds unrealistic or overly generous, that's likely because it's a scam.

The 30 Second Scam Check

Before responding, ask yourself:

• Is this urgent or threatening?

• Am I being asked for private information?

• Does this message feel unusual or unexpected?

• Can I verify this independently?

If the answer raises concerns, do not respond. Delete the message or hang up.

What to Do If You Suspect a Scam

• Do not click links or reply

• Do not share information

• Contact your credit union directly

• Report the scam to the FTC at ReportFraud.ftc.gov

Scams are designed to catch you off guard, but awareness is your strongest defense. Taking 30 seconds to pause and evaluate can help protect your finances and your peace of mind.

If you ever have questions about a message or transaction, we are here to help. Reach out to us before taking action.